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credit card allows you to make cashless transactions and offers a line of credit which you can use to pay bills on time. These cards are integral in building and improving your financial health. You can purchase big-ticket items conveniently, and credit cards help establish a credit history. 


However, as a credit cardholder, you must be financially responsible. It is vital that you make credit card bill payments on time, and avoid additional interest charges and late fees. Failure to make timely credit card payments can negatively affect your credit score. It can also result in a cycle of debt and financial instability. 


On the other hand, by making timely payments, you can demonstrate responsible credit management and establish your creditworthiness. This often results in easier loan approvals and better interest rates, and you can improve your credit profile.


You can make your credit card bill payment through various convenient channels – both online and offline. You can use your bank’s mobile application, net banking portal, or third-party payment platform, or visit your nearest ATM to make the credit card payment.

Read on to know about credit cards, how to apply for credit cards, and how to pay credit card bill online as well as offline.

How to Pay Credit Card Bills?

Credit cards can be powerful financial tools that extend numerous benefits if used responsibly. However, the key to using a credit card effectively is to make timely payments. Fortunately, making credit card payments is simple, and you have several payment options. 


From online credit card payments to phone payments, you can choose a payment channel depending on your preference and convenience. Alternatively, you can also make in-person payments.


In the following sections, we will discuss the various methods for making credit card payments – both online and offline.

Credit Card Bill Payment: Online Methods

Credit cardholders often prefer paying their credit card bills online. Here are different ways in which you can pay your credit card bill digitally.

  • Internet banking

  • NEFT or RTGS funds transfer

  • IMPS

  • BillDesk

  • Auto-debit facility

  • Mobile wallets

1. Credit Card Online Payment via IMPS

You can easily make credit card bill payments online using Immediate Payment Service (IMPS). This service is available 24 x 7, and is reliable and inexpensive. You can follow these steps to make the payment.

  • Step 1: Download and install the mobile banking app, or visit your bank’s website.

  • Step 2: Log in with the help of your credentials.

  • Step 3: Go to the ‘Funds Transfer’ section, and select ‘IMPS’.

  • Step 4: Select your bank account, and enter the required details, such as your credit card number, beneficiary’s mobile number and MMID, and the bill amount.

  • Step 5: Click ‘Confirm’ to complete the transaction.

2. Credit Card Payment via NEFT

The National Electronics Funds Transfer (NEFT) is another convenient and secure method through which you can pay your credit card bill online. The amount gets debited from your savings account and can be transferred to the credit card account. 


Here are the steps involved in making the payment via NEFT.

  • Step 1: Visit the Internet banking portal and log in using your credentials.

  • Step 2: Add a new beneficiary or biller, and provide details such as the credit card number, name of the cardholder, bank name, IFSC code, bank branch and location, etc.

  • Step 3: Wait until the new beneficiary’s details are updated.

  • Step 4: Select' NEFT' under the ‘Funds Transfer’ tab. Afterwards, enter the amount to be transferred.

  • Step 5: Click ‘Confirm’, and the transaction will be completed.

3. Credit Card Online Bill Payment via Net Banking

Arguably, the easiest method to pay your credit card bills is by using the net banking facility. You can sign up for net banking services if you have a savings account. Furthermore, if you opt to get a credit card from the bank 

where you have a savings account, paying credit card bills becomes a cakewalk. To make your credit card bill payments through net banking, follow these simple steps.

  • Step 1: Log in to net banking with the help of your credentials.

  • Step 2: Find the ‘Credit Cards’ tab, and then click on the ‘Register New Card’ option.

  • Step 3: Provide details about your credit card, including your credit card number and expiry date, and then click on the ‘Submit’ option.

  • Step 4: Wait until the registration of your credit card. Then, navigate to the ‘Credit Cards’ tab, and then click on the ‘Transact’ option.

  • Step 5: Select your registered card, and choose the payment option.

  • Step 6: Click ‘Confirm’ and complete the transaction.

4. Credit Card Bill Payment via BillDesk

BillDesk is an online payment gateway that allows you to make credit card online payments. You can use your debit card or net banking to make the payment. Follow these simple steps to make your credit card bill payments through BillDesk.

  • Step 1: Head to the BillDesk page of your credit card issuer.

  • Step 2: Enter your credit card number, your registered mobile number, your email ID, and the bill amount.

  • Step 3: Confirm a payment mode to begin the process

  • Step 4: Enter your debit card details or log in to net banking.

  • Step 5: Wait for the amount to be debited from your savings account, and you will get an online confirmation of the transaction.

5. Credit Card Payment via Mobile Wallet

Most credit card issuers today also allow you to make payments using mobile wallets, such as Paytm, GPay, BHIM/UPI, etc. Below, we elaborate on how you can make bill payments using different mobile wallets.

A. Credit Card Payment via CRED

One of the most popular – and best credit card bill payment apps is CRED. When you pay your credit card bill using CRED, you will receive an equal number of CRED coins as a reward. You can later exchange these CRED coins for cash through the ‘Burn’ option. 


Here’s how you can pay your credit card bill online via CRED.

  • Step 1: Open the CRED app on your smartphone and log in.

  • Step 2: Under the ‘Credit Cards’ tab, select the card whose bill you want to pay.

  • Step 3: You will find the bill details, such as the minimum amount due and the total outstanding amount.

  • Step 4: Click on ‘Pay Now’ and type the amount you want to pay.

  • Step 5: You can pay using UPI, a debit card, or a net banking facility.

  • To pay via UPI, you must first link your UPI address and verify the same before paying your credit card bill.

  • To pay via debit card, first add the card details for verification, after which you can authorise the payment.

  • To pay via net banking, select your bank from the list of options and complete the transaction.

B. Credit Card Payment via Paytm

Paytm is yet another popular app for making credit card bill payments. While Paytm does not have a permanent cashback structure in place, you earn guaranteed rewards with credit card online payments. 


Additionally, you get timely reminders, and the payment process is simple and intuitive.

  • Step 1: Open the Paytm app, or visit the website.

  • Step 2: Under the ‘Recharge & Bill Payments’ section, click ‘Credit Card Payment’. 

  • Step 3: Select ‘Pay another card’.

  • Step 4: Enter the credit card number and nickname (optional), and click ‘Proceed’.

  • Step 5: You will be able to link your credit card to your Paytm account. Afterwards, you can complete the payment.

C. Credit Card Payment via PhonePe

PhonePe is one of the fastest-growing digital payment platforms in the country and lets you pay your credit card bill seamlessly. After making the online bill payment, you can earn rewards in the form of cashback and scratch cards. 


Here’s how you can pay your credit card bill using PhonePe.

  • Step 1: Download and install the PhonePe app.

  • Step 2: Select the ‘Recharge and Pay Bills’ category, and click ‘Credit Card Bill’.

  • Step 3: Enter your credit card details, and click ‘Confirm’.

  • Step 4: You can proceed with the credit card bill payment once your card is linked to your PhonePe account.

D. Credit Card Payment via Google Pay

Through Google Pay, you can pay your credit card bills in just a few simple steps. You must link your credit card to GPay before paying the bill and make the payment hassle-free. Like other digital payment platforms, Google Pay offers various rewards through cashback and coupons.

  • Step 1: Download and install the Google Pay application.

  • Step 2: Navigate to ‘Regular payments’ and then ‘Credit card bill’ to select your credit card provider bank.

  • Step 3: Link your credit card to GPay by entering your credit card number and nickname (optional).

  • Step 4: Enter your 12-digit credit card number and verify your card.

  • Step 5: Now, enter the bill amount and type in your UPI pin to authenticate the transaction.

  • Step 6: After following these steps, your credit card bill will be paid successfully.

E. Credit Card Payment via MobiKwik

MobiKwik rewards you for making credit card bill payments through Supercash. You can use this Supercash to pay other bills at a later date. The bill payment process is straightforward and uncomplicated, and you can pay the bill within a few minutes.

  • Step 1: Go to MobiKwik’s official website, or download and install the MobiKwik app.

  • Step 2: Navigate to the ‘Recharge and Bill Pay’ section or directly click on the ‘Credit Card Payment’ option.

  • Step 3: Enter your credit card number and bill amount.

  • Step 4: Now, click on ‘Proceed’ and choose a payment mode.

  • Step 5: Finally, enter your credentials and click on ‘Pay Now’ to make the transaction.


It is important to remember that your bank and credit card must be supported by the mobile wallet. Furthermore, you can only use your debit card, net banking account, or UPI ID to make the payment.

F. Credit Card Payment via Visa Money Transfer

If you own a Visa credit card, you can use the Visa Money Transfer service to quickly and securely make your credit card bill payments. Furthermore, you can pay the bills of multiple Visa credit cards from a single interface. 


You can do so by following these steps.

  • Step 1: Log in to your net banking account, and go to Third-Party Funds Transfer.

  • Step 2: Choose the Visa card payment option.

  • Step 3: Enter the transaction details, and confirm the transfer.

  • Step 4: The beneficiary will receive the amount within two working days.

G. Credit Card Payment via Auto Debit

With the auto-debit feature, you won’t have to worry about making credit card bill payments online every month. You can either submit a written request to your bank, or register for the auto-debit facility via net banking. 


This way, you will be able to give Standing Instructions (SI) to your bank to debit the credit card bill on a particular day every month to clear your dues.

  • Step 1: Provide either a written request to your bank, or use your net banking account to register for the auto-debit facility.

  • Step 2: While registering, select if you want to pay the minimum amount due, or the total amount due against your card.

  • Step 3: Once you successfully register for the auto-debit facility, the amount will get automatically deducted from your savings account on the same day every month.

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Credit Card Bill Payment: Offline Methods

If you feel uneasy about making credit card payments online, you can also take the traditional approach. Here are a few ways in which you can make offline payments.

1. Pay the Credit Card Bill by Visiting the Bank Branch

You can visit the issuing bank branch, fill out the deposit slip, and pay your credit card bills offline through cash. However, this process warrants a fee for the service. This fee varies from one bank to the other, and from one card to another. 


Additionally, it can take up to one working day to process the payment.

2. Credit Card Bill Payment via Customer Care

Certain banks let you make credit card payments instantly via the credit card customer care IVR service. However, you must own a savings or current account with the issuing bank. The entire process is safe and secure, as there is no human interaction, and you have to follow the steps suggested by the IVR.

3. Credit Card Bill Payment Through Debit Card at ATM

You can conveniently pay your credit card bill using your debit card by going to an ATM, provided you own the debit card from the issuing bank. The amount is instantly transferred from one account to another, and the entire process is quick and seamless. 


Here’s how you can pay your credit card bill via ATM.

  • Step 1: Visit the nearest ATM that belongs to your bank and carry your debit card.

  • Step 2: Insert your debit card into the ATM and tap the ‘Credit Card Bill Payment’ option.

  • Step 3: Enter the bill amount and follow the prompts on the screen to make the payment.

4. Credit Card Bill Payment via Cheque

You can also make your credit card bill payment by drawing a cheque in the name of the issuing bank. You can then deposit it at the bank’s branch or an ATM dropbox. However, you should be aware that the cheque might take up to three working days to clear, provided the credit card issuer and the cheque issuing bank are the same. 


Otherwise, it may take up to five working days. Additionally, if it is an outstation cheque, it might take a few days for the cheque to be processed.

Benefits of Making Credit Card Payments on Time

Credit card online payments are simple, hassle-free, and come with numerous benefits. Some of these advantages are highlighted below.


You can pay your credit card bills from anywhere and at any time online. All you need is a smartphone with a reliable internet connection. You won’t have to visit the bank to make the payment physicall Read Morey. Read Less

Fast and accurate

One of the biggest benefits of online transactions is the fact that they are instantaneous. You won’t have to wait for days to get confirmation. Moreover, you can avoid paying late fees and interest charges by making the payment online. 

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Additionally, by making your credit card bill payment online, you can ensure that your payment is credited to the account accurately. This can help you avoid errors or delays that could result in penalty charges.

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Banking websites and popular apps use encryption and other security measures to protect your financial information. Thus, you won’t have to worry about falling victim to fraud and identity theft.

Easy access to account information

You can easily access your credit card account information, such as your balance, transaction history, and payment due dates online. You won’t miss due dates and can remain on top of your finances. You Read More can also avoid paying over-limit and late payment fees. Read Less


Mobile wallets and banking websites do not levy any charge on credit card bill payments.

Important Tips for Making Credit Card Online Payment

While making credit card bill payments online, you must remember certain things. These include the following.


1. Ensure you use a secure connection: Always use a secure internet connection while making payments, such as password-protected Wi-Fi networks. Do not use public Wi-Fi networks that are not password-protected, as these networks can be easily hacked, and your personal information can be compromised.


2. Verify the website: Before entering your password and other sensitive information, ensure you are using your bank’s official website or a reputable payment portal. 


3. Keep your login details secure: You must keep your credit card account login details confidential. Additionally, create a strong password, and change it once every 2-3 months. Furthermore, do not save your login details on shared computers or devices.


4. Check the payment amount: Double-check the amount before you make the credit card online payment. Review the credit card statement and payment details to ensure they are accurate.


5. Pay the bill before the due date: Set up automatic payments to ensure that you pay the bill before the due date. This will help you avoid late payment fees and other penalties.

6. Keep a record of your payment: Save the transaction receipt or the confirmation message after making the payment. Additionally, check your credit card statement online to ensure the payment has been processed.

How Does a Billing Cycle Work?

A billing cycle refers to the closing date of the last statement and the upcoming one. Credit card billing cycles vary based on the policies of your credit card issuer. Generally, the billing cycle for credit cards is from 28 to 31 days. 


The credit card billing cycle helps determine how much you owe and when the payment is due. When this cycle ends, the credit card issuer computes your transactions, including any balance from the last cycle. 


Then, they send you the statement, which includes your transactions, the amounts, minimum payment as well as the deadline for the bill payment. Some credit card providers might provide you with a grace period to make the payment. 


Remember to make timely payments of your credit card bill to avoid any charges and other penalties associated with non-payment of your bill.

FAQs on Credit Card Bill Payment

What are the available options for paying credit card bills?

You can make your credit card payment through numerous offline and online modes. If you prefer paying your bill offline, you can pay via cheque, over the counter, visit an ATM, or contact customer support.

If you want to make a credit card payment online, you can use any mobile wallet, NEFT, IMPS, mobile banking, auto debit facility, or BillDesk.

Can missing one credit card bill payment affect my credit score?

Yes, missing credit card bill payments for even one cycle can affect your credit score significantly. You should clear all your dues on time.

Why make credit card payments on time?

Paying your credit card dues on time is critical to ensure that you are not charged interest. Moreover, it also ensures that your credit score is not affected.

Which are some of the fastest methods to pay my credit card bill?

You can instantly make credit card bill payments through various online modes, such as UPI, net banking, and mobile wallets.

Can I use another bank’s account to pay my credit card bill?

It is possible for you to pay your credit card bill using an account from a different bank through NEFT.  However, before making the payment, you must add your credit card number as the beneficiary.

How can I use a credit card to pay the bill of a different credit card?

You can use an e-wallet, balance transfer, and cash to pay your credit card bill using a different credit card.

How much should I pay on my credit card to avoid interest?

There is no particular minimum amount required to avoid paying interest. You must pay the entire outstanding balance to avoid interest. By paying off your credit cards completely each month prior to the grace period expiring, you can avoid paying interest. 

The grace period for credit card bill payments typically lasts from the 21st to the 27th of each month.

Does this mean that if I don't have a credit card statement, the charge will be zero?

No, not always. There's a chance that you won't get a statement for that month if you haven't made any purchases with your credit card. Please call the bank's customer care to confirm that there isn't a payment due. 

When is the best time to pay your credit card bill?

It is advisable to pay your credit card bill as soon as the bank generates the bill for the month. However, it can be paid on the due date as well. But you must be wary of the fact that the credit card bill must be paid on time. Else, a late payment fee can be charged by the bank.


If there is a longer delay in paying the credit card bill, your card can be deactivated, and your credit score can suffer heavily.

How long does Paytm take to process my credit card statement?

It takes up to 3 working days for the payment made through Paytm to reflect in your credit card account. However, you must be aware that you must have a Paytm account to make your credit card payments through Paytm.

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